How much coverage can I expect to get for my solar panels in FL?

"I'm a Florida resident and I’m in the process of installing solar panels on my roof. I want to insure the panels under my homeowners policy. How much coverage can I expect to get from insurance companies that operate in Florida?

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Answer
“Solar panels, which are generally considered to be permanently attached to the property, should be covered under a standard homeowners policy without an endorsement (a change or addition to the standard policy). However, that also means the same coverage limits, deductibles, and exclusions would apply.
In many cases, you would not require separate insurance for the solar panels, but you may need to adjust your limits to make sure that you have enough coverage. Talk with your agent about your coverage limits, what perils are excluded under your policy, and what other coverage options available so that you can make the right choice for your specific situation.
Also keep in mind that many solar panels come with the option to purchase a manufacturer’s warranty, which will provide coverage that is excluded from your homeowners policy! “
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Shannon Martin
Answered on Apr 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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